How to Claim Your Benefits After Retirement or Leaving Your Teacher Union (GNAT, NAGRAT, CCT-GH)

How to Claim Your Benefits After Retirement or Leaving Your Teacher Union (GNAT, NAGRAT, CCT-GH)

Navigating the process of withdrawing your funds after retirement or leaving a teacher union can be complex. This guide provides a clear and comprehensive overview of the steps involved in claiming your entitlements from GNAT, NAGRAT, and CCT-GH.


Understanding Union Deductions and Refunds.

When you are a member of a teacher union, monthly deductions are made towards mutual funds and administrative costs. While union dues are generally non-refundable, the mutual fund contributions you make over time are refundable upon retirement, resignation, or if you change associations.

If you discover unauthorized deductions or if you mistakenly joined the wrong union, there are established processes to retrieve your funds.


How to Retrieve Your Funds


For CCT-GH Members

To claim your mutual fund or apply for a refund from CCT-GH, prepare and submit the following information:

1. Personal Information.

•Full Name

•Fund ID

•Region

•Staff ID

•Employer


2. Withdrawal Details.

•Amount to be withdrawn

•Reason for withdrawal (e.g., multiple deductions, resignation, retirement, refund)

•Bank account details for fund transfer


3. Application Process:

Complete the CCT-GH Fund Withdrawal Form (available online or at the regional office).

Submit the form along with your current payslip and other supporting documents to the nearest CCT-GH office.


For GNAT Members

Members of GNAT can access their contributions under the following conditions:

1. Eligibility for Claims

•Retirement or exit from active service

•Death (paid to the next of kin)

•Permanent disability

•Change of union or association


2. Required Documents:

•Current payslip (including affected months if applicable)

•Passport photograph


3. Application Procedure

•Visit the nearest GNAT office in person to initiate the claims process.

•If you joined the union by mistake, provide evidence through your payslips for review.

NOTE: Withdrawing your funds prematurely reduces long-term benefits. Members are encouraged to maintain their contributions until retirement to maximize interest accumulation.


GNAT Retirement/Exit Package

Upon retirement, GNAT members receive an exit package comprising:

•Total member contributions

•Returns or income earned over the contribution period

In cases of death, the next of kin receives


•Total contributions and accumulated returns

•An additional GHC 500 under the Group Solidarity Package


Members who are permanently incapacitated also receive their total contributions, returns, and GHC 500 as compensation.


For NAGRAT Members

NAGRAT members seeking to claim their benefits must follow these steps:

1. Eligibility for Claims:

•Retirement from active service

•Death (benefit paid to next of kin)

•Change of union or association


2. Required Documents

•Completed NAGRAT Withdrawal Form (available at regional secretariats or their online portal)

•Current payslip reflecting the affected months

3. Application Process

•Obtain and complete the withdrawal form.

•Submit the form and supporting documents to the nearest NAGRAT Regional Secretariat.


NOTE: The NAGRAT retirement benefit is approximately three times the gross monthly salary of a professional graduate teacher at the entry level.

If you delay applying for retirement benefits beyond six months after retirement, you risk losing the entitlement.


Key Considerations When Leaving a Teacher Union.

1. Mutual Funds Are Not Automatically Transferred: If you switch from one union to another, your mutual fund contributions will not be transferred. You must formally request a refund.

2. Interest Calculation: Mutual funds accumulate interest over time. Withdrawing funds early reduces the total benefits.

3. Manual Changes to Union Affiliation: If your payslip shows an incorrect union, you must manually update your association on the CAGD (GOG) E-Payslip Portal.


Source: gesquicknewsseekers.com

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